EFEK KEJUT PANDEMI COVID-19 PADA KINERJA BANK PERKREDITAN RAKYAT (BPR): STUDI PADA KARESIDENAN SEMARANG

  • Ririh Dian Pratiwi
Keywords: Performance, Banking, Pandemic

Abstract

The Covid-19 pandemic has had an impact on various sectors of life, including a shock effect for the banking industry. The decline in bank credit growth in mid-2020 is evidence of the shock effect. To anticipate various effects, the central bank supports the government by issuing various policies. BPR is growing rapidly in both urban and rural areas. BPR is seen as able to directly touch the community and small business owners with various financial activities. However, at the beginning of the COVID-19 pandemic, OJK recorded a very high credit restructuring value. Similar conditions were also experienced by BPRs in the Residency of Semarang. This study aims to determine whether there is a difference (which is a shock effect) in the financial performance of BPR before and during the covid-19 pandemic. The sample obtained by purposive sampling method is as many as 62 BPR located in the Residency of Semarang. This study uses secondary data in the form of quarterly BPR financial reports. Financial performance analysis was carried out using the CAMEL method. As a result, financial performance in terms of the capital ratio (CAR) and liquidity ratio (LDR) was proven to be affected by the shock effect of the COVID-19 pandemic because there were significant differences between before and during the COVID-19 pandemic. Financial performance in terms of asset quality, management ratios and income, each of which is measured by the ratio of NPL, ROA and BOPO, it is proven that there is no difference between before and during the covid-19 pandemic.

References

Ayu, I., Astiti, A., & Udayana, U. (2021). Ojk stimulus packages as counter cyclical policy to covid-19 outbreak and its implication to non-peforming loan of indonesian banks. 11(March 2020), 58–62.

Ayuni, S., & Situmorang, B. (2021). Comparison Analysis of LDR , NPL , ROA , CAR , and OER Before and During the Covid-19 Pandemic Period. 194(Icombest), 9–16.

Barua, B., & Barua, S. (2020). COVID-19 Implications for Banks: the Case of An Emerging Economy. SSRN Electronic Journal, January. https://doi.org/10.2139/ssrn.3646961

Dadoukis, A., Fiaschetti, M., & Fusi, G. (2021). IT adoption and bank performance during the Covid-19 pandemic. Economics Letters, 204, 109904.

https://doi.org/10.1016/j.econlet.2021.109904

Demirgüç-Kunt, A., Pedraza, A., & Ruiz-Ortega, C. (2021). Banking sector performance during the COVID-19 crisis. Journal of Banking and Finance, 133. https://doi.org/10.1016/j.jbankfin.2021.106305

Ichsan, R. N., Suparmin, S., Yusuf, M., Ismal, R., & Sitompul, S. (2021). Determinant of Sharia Bank’s Financial Performance during the Covid-19 Pandemic. Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences, 4(1), 298–309. https://doi.org/10.33258/birci.v4i1.1594

Katusiime, L. (2021). COVID 19 and Bank Profitability in Low Income Countries : The Case of Uganda.

Klagge, B., Fromhold-Eisebith, M., & Fuchs, M. (2010). The Return of Depression Economics and the Crisis of 2008. Regional Studies, 44(3), 383–385. https://doi.org/10.1080/00343401003707367

Kozak, S. (2021). The impact of covid‐19 on bank equity and performance: the case of central eastern south european countries. Sustainability (Switzerland), 13(19). https://doi.org/10.3390/su131911036

Liang, C. J., Huang, T. T., & Lin, W. C. (2011). Does ownership structure affect firm value? Intellectual capital across industries perspective. Journal of Intellectual Capital, 12(4), 552–570. https://doi.org/10.1108/14691931111181724

Otoritas Jasa Keuangan, (2020). OJK.go.id

https://www.kompas.com, (2020). https://www.kompas.com/global/read/2020/08/22/071635670/who-berharap-pandemi-virus-corona-berakhir-kurang-dari-2-tahun

Rahman, M. M., Zaman, R., & Begum, M. (2021). Bank Liquidity during COVID-19 Pandemic: Evidence from Bangladesh. SSRN Electronic Journal. https://doi.org/10.2139/ssrn.3778056

Romdhane, S. B., & Kenzari, K. (2020). The Determinants of the Volatility of Non-Performing Loans of Tunisian Banks: Revolution Versus COVID-19. Refpress.Org, 92–111. https://refpress.org/wp-content/uploads/2021/01/Syrine-Ben-Romdhane_REF.pdf

SGHAIER, A., SEKRAFI, H., & MIGHRI, Z. (2016). Comparative study on performance of islamic and conventional banks in MENA region. E3 Journal of Business Management and Economics, 7(1), 072–088. https://doi.org/10.18685/ejbme(7)2_ejbme-16-011

Shrestha, P. K. (2021). Impact of Covid-19 on Microfinance Institutions of Nepal NRB Working Paper No . 51 October 2020 Impact of Covid-19 on Microfinance Institutions of Nepal. Nepal Rastra Bank, 51(October 2020), 1–13.

Siska, E., Ahmed, A., Gamal, M., Ameen, A., & Amalia, M. M. (2021). Analysis Impact of Covid-19 Outbreak on Performance of Commercial Conventional Banks : Evidence from Indonesia. 02(06), 8–16.

Stanov, B., Words, K. E. Y., & The, I. (2008). Non-performing loans forbearance – Impact of COVID-19 measures ( case of Slovakia ).

Sullivan, V. S., & Widoatmodjo, S. (2021). Kinerja Keuangan Bank Sebelum Dan Selama Pandemi (COVID – 19). Jurnal Manajerial Dan Kewirausahaan, 3(1), 257. https://doi.org/10.24912/jmk.v3i1.11319

Supeno, W. (2021). Analysis of Profitability Performance: the Comparison of Bpr Kota Baru and Bpr in South Kalimantan Province During Covid-19 Pandemic Period. Accountability, 10(1), 7. https://doi.org/10.32400/ja.33213.10.1.2021.7-15

Yarovaya, L. (n.d.). Pr ep rin t n ot pe er r ev Pr ep rin t n ot pe er ed.

Published
2022-05-25
How to Cite
Pratiwi, R. (2022) “EFEK KEJUT PANDEMI COVID-19 PADA KINERJA BANK PERKREDITAN RAKYAT (BPR): STUDI PADA KARESIDENAN SEMARANG”, Dinamika Akuntansi Keuangan dan Perbankan, 11(1), pp. 70 - 80. doi: 10.35315/dakp.v11i1.8958.